1996 Hyundai Elantra Insurance Quotes – 8 Policy Discounts

Looking for cheaper insurance rates for your Hyundai Elantra? No one looks forward to paying premiums for insurance, particularly when their premiums are through the roof.

Consumers have many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, so many choices can make it hard to locate the cheapest rates.

Buying car insurance is not rocket science. In a nutshell, anyone who carries auto insurance will most likely be able to reduce their rates. But vehicle owners can benefit by having an understanding of how insurance companies market on the web and use this information to your advantage.

Where can I get the cheapest insurance?

Many insurance companies such as State Farm, Allstate and Geico allow you to get prices for coverage on the web. Doing online quotes is quite simple because it’s just a matter of typing in the coverage amounts you desire into a form. When complete, the quote system requests your credit score and driving record and gives you a price quote based on the data you entered. Online quotes simplifies rate comparisons, but the time it takes to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it’s very important to get many rate quotes in order to find the lowest possible prices on insurance.

There is a better way to compare rates

A more efficient way to get multiple rate quotes utilizes a single form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes rate comparisons much more efficient. Immediately after submitting the form, it is rated and you can select any one of the pricing results. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To quickly get comparison pricing now, click here to open in new window and complete the simple form. To compare your current rates, we recommend you input the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you are getting comparison quotes based on identical coverages.

Get lower rates with these eight discounts

Companies offering auto insurance do not advertise their entire list of discounts in an easy-to-find place, so the below list has a few of the more well known and the more hidden insurance coverage savings.

  • Professional Organizations – Participating in qualifying employment or professional organizations could qualify you for a break on your bill.
  • Multiple Vehicles – Buying coverage for multiple cars or trucks with the same insurance coverage company may reduce the rate for each vehicle.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for Elantra insurance with a few insurance coverage companies.
  • Telematics Devices – Policyholders that allow their insurance company to monitor vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
  • Life Insurance – Select insurance carriers reward you with a small discount if you purchase auto and life insurance together.
  • Early Renewal Discounts – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
  • Paperless Signup – Some of the larger companies give back up to $50 for buying your policy on your computer.

You can save money using discounts, but most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts should help reduce your policy premiums.

A list of insurance coverage companies and their possible discounts are detailed below.

  • AAA may offer discounts for multi-policy, AAA membership discount, good driver, anti-theft, education and occupation, pay-in-full, and good student.
  • Progressive may include discounts for online quote discount, homeowner, multi-policy, continuous coverage, and online signing.
  • State Farm policyholders can earn discounts including Drive Safe & Save, passive restraint, multiple autos, safe vehicle, multiple policy, accident-free, and anti-theft.
  • Esurance offers premium reductions for DriveSense, safety device, multi-policy, good student, online shopper, emergency road assistance, and renters.
  • Nationwide has discounts for accident-free, multi-policy, anti-theft, family plan, easy pay, defensive driving, and Farm Bureau membership.

When getting a coverage quote, ask every prospective company what discounts are available to you. Discounts may not be offered in your area. To view providers offering insurance coverage discounts, click here to view.

What is the best auto insurance coverage?

When it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • Is my babysitter covered when using my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Is business equipment covered while in my vehicle?
  • What is PIP insurance?
  • Am I covered when driving a rental car?
  • What can I do if my company denied a claim?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

But the ad said I’d save 15% in 15 minutes!

Popular insurance providers such as State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the ads seem to make the promise that you can save just by switching your policy. That’s great but how can every company make the same claim? Here is how they do it.

Insurance companies can use profiling for the type of customer that makes them money. For example, a preferred risk might be described as a mature driver, is a homeowner, and has excellent credit. Any customer who matches those parameters may get the lowest premium rates and have a good chance to save some money.

People who do not meet those standards will be quoted higher premiums and this results in business not being written. Company advertisements say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can make those statements. This really illustrates why you really need to get insurance quotes from several different companies. It’s just too difficult to predict the company that will provide you with the cheapest rates.

Coverages available on your policy

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like pain medications, dental work, surgery and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive car insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, vandalism, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Hyundai Elantra.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision – This coverage will pay to fix damage to your Elantra resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, rolling your car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage can cover injuries or damage you cause to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Do the work, save more money

Some companies may not have online quoting and usually these regional insurance providers work with independent agencies. Affordable 1996 Hyundai Elantra insurance is attainable both online and with local insurance agents, and you should compare rates from both to get a complete price analysis.

When shopping online for insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where an insured dropped liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

Helpful articles